Our Money Guide
AU Altura+ Credit Card

Pros and Cons of AU Bank Altura+ Credit Card

Pros

  • Complimentary railway lounge access
  • 1.50% cashback on offline card spends

Cons

  • Reward rates on card spending are comparatively low

Features & Benefits of AU Bank Altura+ Credit Card

1.50% cashback on offline card spends, on purchases upto ₹6,666 per month

 You get ₹1.50 (as cashback), on every ₹100 you spend in these categories.

This is valid only on purchases upto ₹6666 per month, since the maximum cashback at this rate is restricted to ₹100 per month.

0.50% cashback on online card spends

You get 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend.

1 reward point = ₹0.25 (25 paise), and can be redeemed on AU Bank’s rewards redemption platform for vouchers, products, mobile recharges and more

0.25% cashback on the following spends – utility bills, rent, insurance, education & government category spends

You get free visits to railway lounges in India, 8 times per year (maximum 2 times per quarter).

Additional benefit (monthly milestone benefit), of upto 0.6%

You get 500 bonus reward points worth ₹125, at monthly card spend of ₹20,000.

Fuel transactions and cash withdrawal transactions are excluded from this bonus reward points spends calculation

Complimentary railway lounge access – 2 per quarter

Fuel surcharge waiver, upto ₹150 per month

You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only. This benefit is applicable only on fuel purchases upto ₹15,000 per month, since the waiver amount is restricted to ₹150 per month

Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹150 in all cases

AU Bank customer care number

You can contact AU Bank 24/7, please click here for details – AU Customer Care Numbers & Other Contact Details

AU Bank Altura+ Credit Card Fees & Charges

Annual fee

Annual feeAnnual fee offers
1st year joining fee₹499Welcome offer : 1st year annual fee is waived off, when you spend ₹20,000 or more within 90 days of card generation date.
Renewal fee from 2nd year onwards₹499Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹80,000 or more in the previous year.

Hence this card is virtually free, if you spend ₹80,000 or more in a year.

To view all fees and charges, please click here – AU Credit Cards Fees & Charges

Eligibility criteria

Minimum agePrimary card member: 20 years
Add-on card member: 18 years
Maximum age60 years
OccupationSalaried or self-employed
Minimum income requirementsShould have a regular source of income , minimum income not specified
Credit scoreGood credit score, preferably above 750
LocationApplicant should be based in the credit card sourcing locations of AU bank

Documents required

Required documents 
– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Address proof : electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement (any one)
– Income proof : latest salary slip/s, income tax return etc

Additional documents maybe required on a case-to-case basis.

How do I apply for the AU Bank Altura+ Credit Card?

Online application process 
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the AU Bank website.

You can also visit official website of the bank and fill out the application form. The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.

Steps :
– To apply, simply provide your personal details, such as your PAN number, mobile phone number, income & emplyment details, , address, along with the other requirements asked for
– Submit the application
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Apply Now

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